Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$129,579Cash toward the purchase price.
Closing costs + prepaids$15,020Not just lender fees.
Before credits & paid funds$144,599The complete starting cash picture.
Estimated remaining funds due at closing
$144,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,578.99
Your down payment$129,578.99
Closing costs + prepaids$15,019.70
Total buyer cash needed$144,598.69
Remaining funds due$144,598.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,102.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Prepaid interest, first (18 days)$1,289.60
Fees + prepaids$15,019.70
Your down payment is the seller’s equity. You take over the $420,421 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $144,598.69 is due at closing. Uses and sources reconcile at $565,019.70 each. Not a Closing Disclosure.